Try the Credit Card That Likes to Say ‘YES’

* Manage your Luma card sensibly, make payments on time and stay within your credit limit and you could improve your credit rating in time. However, failing to manage your card sensibly could harm your credit rating.

Guides to using cards responsibly:

Manage your account online

No matter where you are, no matter the time of day, it’s easy to keep track of your Luma account online. Managing your Luma credit card online is the easiest, most secure way to keep track of your finances. Once you register online as a Luma credit cardholder, you can:

Credit is available subject to status and conditions. If you have applied for a Luma or Capital One card in the last 6 months your application may be declined. If you already have a Luma card or if you are not a UK resident please do not apply.